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City · 6,095 residents · Sacramento County, California

Fruitridge Pocket , California

In Fruitridge Pocket, a typical home is worth $362,200 and typical rent is $1,473 a month. Compared with all of Sacramento County, the typical home value is 32% lower and typical household income is 32% lower.

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  • Typical home value

    $362,200

    32% below the county

    51% below California

    • Fruitridge Pocket
    • Sacramento
    • California

  • Typical rent

    $1,473a month

    18% below the county

    28% below California

    • Fruitridge Pocket
    • Sacramento
    • California

  • Typical household income

    $62,528a year

    32% below the county

    37% below California

    • Fruitridge Pocket
    • Sacramento
    • California

  • Households that own their home

    57%

    2 points below the county

    1 points above California

    • Fruitridge Pocket
    • Sacramento
    • California

Source: U.S. Census Bureau, Average 2020–2024

Fruitridge Pocket is in Sacramento County. The FHA loan limit ($764,750 for a one-unit home), the fair market rents and the help on this page are those of all of Sacramento County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Fruitridge Pocket apart

What this place has that others do not, from public data, most unusual first.

  1. Fruitridge Pocket has the 28th largest share of rent-burdened renters of the 616 cities in California with more than 5,000 people (70%).

  2. The typical home in Fruitridge Pocket is worth $362,200, 32% less than in Sacramento County as a whole ($534,200).

  3. The typical household income in Fruitridge Pocket is $62,528, 32% less than in Sacramento County as a whole ($92,175).

  4. The typical rent in Fruitridge Pocket is $1,473 a month, 18% less than in Sacramento County as a whole ($1,790).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Fruitridge Pocket

What homes there are in Fruitridge Pocket, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses, standing on their own, make up 81% of homes here, against 65% in Sacramento County.

Year built

In Fruitridge Pocket, half of the homes were built before 1957; in Sacramento County, before 1981.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,842 a month

Sacramento County: $2,428 a month

Without a mortgage

$443 a month

Sacramento County: $732 a month

Owners with a mortgage

64%

Sacramento County: 69%

The typical cost for an owner with a mortgage in Fruitridge Pocket is $1,842 a month, less than in Sacramento County ($2,428); without one, $443.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Fruitridge Pocket gained value faster than in Sacramento County: 99% against 52%.

Much as in Sacramento County, the typical rent in Fruitridge Pocket rose 40% since 2015–2019.

The typical household income in Fruitridge Pocket rose 94% over that time; home values changed +99% and rent +40%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureFruitridge PocketSacramento CountyCaliforniaUnited States
Rental vacancy Unreliable estimate4.2%4.2%5.5%
Homeowner vacancy Unreliable estimate0.6%0.8%0.9%
More than one person per room Unreliable estimate6.2%8.2%3.4%
People per household 2.832.752.842.53
Drive alone 64%66%66%69%
Carpool 12%9%10%9%
Public transit Unreliable estimate1%3%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 17%19%17%15%
Other means Unreliable estimate2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Fruitridge Pocket has 2.83 people on average, about the same as in Sacramento County (2.75).

In Fruitridge Pocket, 12% of workers share a car to get to work; in Sacramento County, 9%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Fruitridge Pocket?

A typical home costs more than the typical income allows

We start with a typical home in Fruitridge Pocket, worth $362,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 56% of the typical household income in Fruitridge Pocket, which is $62,528 a year. For that payment to be 28% of income, a household would need to earn about $124,089 a year.

The calculator's FHA and conventional loan limits are those of all of Sacramento County.

Your numbers

Local data
$

Starts at the typical home value in Fruitridge Pocket. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $12,677 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,895

at 7.18% · 30 years

Loan amount
$355,640
Total interest
$511,682
Paid off in
November 2056

Includes $6,117 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,459 a month

  • Tight

    $1,459 to $1,876 a month

  • Hard

    more than $1,876 a month

    Your payment · 56%

Compared with the typical household income in Fruitridge Pocket ($62,528 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,895
Principal & interest$2,409
Property tax$175
Home insurance$151
FHA mortgage insurance (MIP)$160

You need at least $12,677 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Fruitridge Pocket and Sacramento County

Fruitridge Pocket is in Sacramento County, California. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Fruitridge Pocket's own numbers

Typical home value
$362,200
Typical monthly rent
$1,473
Typical yearly household income
$62,528
Households that own their home
57%
Effective property tax rate
0.58%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Sacramento County

FHA limit, one-unit home
$764,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,201
Price change over 5 years (FHFA)
+37%
Homes in a high flood-risk zone
8.1%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Sacramento County.

Everything about Sacramento County

Buying

Buying a home in Fruitridge Pocket

A typical home in Fruitridge Pocket is worth $362,200: 32% below the county and 51% below California. With the typical household income in Fruitridge Pocket ($62,528 a year), a typical home costs 5.8 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Fruitridge Pocket 5.8 years
  • Sacramento 5.8 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Sacramento County

According to FHFA’s house price index, home prices in Sacramento County rose 91% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Sacramento County.

Period County California U.S.
Last year (2025) +0.6% +0.8% +2.9%
5 years (2020–2025) +37% +40% +47%
10 years (2015–2025) +91% +80% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Fruitridge Pocket next to Sacramento County, California and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Fruitridge Pocket $362,200
  • Sacramento $534,200
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Fruitridge Pocket $1,473
  • Sacramento $1,790
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Fruitridge Pocket $62,528
  • Sacramento $92,175
  • California $99,122
  • United States $80,734
See the full table
Fruitridge Pocket next to Sacramento County and California
Measure Fruitridge Pocket Sacramento County California U.S.
Typical home value $362,200 $534,200 $734,700 $332,700
Typical monthly rent $1,473 $1,790 $2,036 $1,413
Typical yearly household income $62,528 $92,175 $99,122 $80,734
Households that own their home 57% 59% 56% 65%
Typical yearly property tax $2,113 $3,921 $5,124 $3,119
Effective property tax rate 0.58% 0.73% 0.7% 0.94%
Renters with high rent for their income 70% 56% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Sacramento County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Fruitridge Pocket

For a typical $362,200 home in Fruitridge Pocket, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fruitridge Pocket's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,895a month

    Least cash to close
    Down payment
    $12,677
    Cash to close
    $23,543
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $160

  • Conventional, 5% down $2,829a month

    Down payment
    $18,110
    Cash to close
    $28,976
    Rate
    7.18%
    Mortgage insurance
    PMI · $172

  • Conventional, 20% down, no PMI $2,289a month

    Down payment
    $72,440
    Cash to close
    $83,306
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,624a month

    Down payment
    $54,330
    Cash to close
    $65,196
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Fruitridge Pocket and for Sacramento County.

Property tax

Effective rate in Fruitridge Pocket

0.58%of the home’s value each year

$2,113 a year for the typical owner in Fruitridge Pocket.

  • Fruitridge Pocket 0.58%
  • Sacramento 0.73%
  • California 0.7%

What California publishes Homeowners' exemption (California State Board of Equalization (BOE))

Exemptions and deadlines in California

Flood risk in Sacramento County

FEMA does not publish these numbers by city: they are for all of Sacramento County.

Homes in the high-risk zone
8.1%
35,666
Of those, with NFIP insurance
81%
County California U.S.
Homes in the high-risk zone 8.1% 2.8% 3.5%
Of those, with NFIP insurance 81% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Fruitridge Pocket

Typical rent in Fruitridge Pocket is $1,473 a month: 18% below the county. In Fruitridge Pocket, 70% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Sacramento County, by unit size. To pay the 2-bedroom one ($2,201 a month) without spending more than 30% of your income, you would need to earn $42.33 an hour working full time.

HUD fair market rent for all of Sacramento County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,742 $33.50 $69,680
1 bedroom $1,793 $34.48 $71,720
2 bedrooms $2,201 $42.33 $88,040
3 bedrooms $2,887 $55.52 $115,480
4 bedrooms $3,329 $64.02 $133,160

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Fruitridge Pocket

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fruitridge Pocket is in ZIP code 95820.

For 2 bedrooms it is $1,940: $261 less than the fair market rent for Sacramento County ($2,201).

  • 95820 $1,940$2,540

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Fruitridge Pocket when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Fruitridge Pocket

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 4 HUD-approved agencies with an office in Sacramento County; 4 say they serve in Spanish.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Fruitridge Pocket

No down payment, repair or rent-help program on our list is for Fruitridge Pocket or Sacramento County. The ones below are statewide in California: they work in Fruitridge Pocket the same as in the rest of the state.

Which programs do I qualify for? All programs in California

  • MyHome Assistance Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers in California. Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

  • California Dream For All Shared Appreciation Loan

    Statewide in California

    Closed, per the source

    CalHFA down payment loan for first-generation buyers in California; when you sell, you repay the loan plus a share of the home's appreciation. Offered by California Housing Finance Agency (CalHFA).

    Shared appreciation

    See the program Official page

  • MyAccess Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers who use the CalPLUS Access mortgage (FHA or conventional). Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

Housing counselors near Fruitridge Pocket

The HUD-approved agencies closest to the center of Fruitridge Pocket, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Sacramento Neighborhood Housing Services Inc Aka Formally Known As Neighborworks Homeownership Center Sacramento Region

    2411 Alhambra Blvd, Sacramento · 2 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (916) 452-5356

  • Greater Sacramento Urban League-Oak Park

    2331 Alhambra Blvd, Sacramento · 2 miles away · Spanish

    • Budget and credit workshops
    • Homelessness services
    • and 4 more
    (916) 286-8652

  • NSC (naca Counseling Subsidiary) - Sacramento, CA

    3336 Bradshaw Rd Ste 100, Sacramento · 7 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    425-892-6222-1385

Every agency in Sacramento County All counseling agencies in California

Help in Spanish near Fruitridge Pocket

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Fruitridge Pocket

HUD’s record names them for Fruitridge Pocket or Sacramento County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • County of Sacramento Housing Authority Public housing and Section 8 vouchers (916) 440-1319

One other authority has an office in Sacramento County: see the list Source: HUD

Cities

Other cities in Sacramento County

These cities are also in Sacramento County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Sacramento County Housing in California
See 11 more cities in Sacramento County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Fruitridge Pocket, with the typical home value.

Neighboring counties

If Sacramento County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Fruitridge Pocket.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Fruitridge Pocket

Short answers with the numbers for Fruitridge Pocket and all of Sacramento County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Fruitridge Pocket?

The typical home value in Fruitridge Pocket is $362,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sacramento County it is $534,200.

How much does it cost to rent in Fruitridge Pocket?

Typical rent in Fruitridge Pocket is $1,473 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Sacramento County is $2,201.

What is the FHA loan limit in Fruitridge Pocket?

Fruitridge Pocket uses the FHA limit for all of Sacramento County (2026): $764,750 for a one-unit home and $1,470,700 for a four-unit home.

How much property tax do owners pay in Fruitridge Pocket?

The typical homeowner in Fruitridge Pocket pays $2,113 a year, according to the U.S. Census Bureau. That is 0.58% of the home’s value; in Sacramento County, the rate is 0.73%.

Where can I find free help to buy or rent in Fruitridge Pocket?

There are 4 HUD-approved counseling agencies with an office in Sacramento County. 4 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).